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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,186 | $99,875-59.8% | $146,866-72.6% | $86,983-53.8% |
| Participation rate | 72.1% | 75.8%-3.7pp | 82.5%-10.4pp | 69.5%+2.6pp |
| Annual return | 19.65% | 28.10%-8.4pp | 102.85%-83.2pp | 25.83%-6.2pp |
| Employer contribution / active EE | $2,225 | $3,224-31.0% | $4,425-49.7% | $2,584-13.9% |
| Participant deferral / active EE | $3,935 | $6,322-37.8% | $7,759-49.3% | $4,194-6.2% |
| Admin fee / account holder | $364 | $7,838-95.3% | $13,620-97.3% | $7,856-95.4% |